Call reports 2023
MILLVILLE SAVINGS BANK — 2023
What MILLVILLE SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 159,620,000 | 154,803,000 | 154,870,000 | 157,335,000 |
| Total loans | 56,927,000 | 55,889,000 | 53,054,000 | 54,044,000 |
| Allowance for loan losses | 1,541,000 | 1,539,000 | 1,537,000 | 1,533,000 |
| Securities available for sale | 66,175,000 | 64,060,000 | 61,954,000 | 63,101,000 |
| Securities held to maturity | 10,416,000 | 10,407,000 | 10,397,000 | 10,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,757,000 | 139,401,000 | 140,185,000 | 140,465,000 |
| Interest-bearing deposits | 122,911,000 | 120,219,000 | 121,796,000 | 121,900,000 |
| Noninterest-bearing deposits | 20,846,000 | 19,182,000 | 18,389,000 | 18,565,000 |
| Equity capital | 15,563,000 | 14,923,000 | 14,087,000 | 16,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,684,000 | 3,968,000 | 5,322,000 |
| Interest expense | 132,000 | 310,000 | 572,000 | 916,000 |
| Net interest income | 1,125,000 | 2,374,000 | 3,396,000 | 4,406,000 |
| Noninterest income | 60,000 | 118,000 | 178,000 | 237,000 |
| Noninterest expense | 977,000 | 1,961,000 | 2,906,000 | 3,822,000 |
| Provision for loan losses | 5,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 211,000 | 526,000 | 641,000 | 814,000 |
| Income tax | 46,000 | 131,000 | 143,000 | 115,000 |
| Net income | 165,000 | 395,000 | 498,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,664,000 | 20,894,000 | 20,997,000 | 21,177,000 |
| Total capital | 21,578,000 | 21,787,000 | 21,857,000 | 22,023,000 |
| Risk-weighted assets | 72,531,000 | 70,841,000 | 68,139,000 | 67,000,000 |